UPDATE! PenFed Platinum Rewards Approved & CLI:)

[Anonymous]

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@JoeLuvsHisCredit wrote:

@Anonymous

When did you get Approved?

Thanks Again,

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I joined PenFed and appd for the Plat Rewards last 12/31.

Still no card..

[JoeLuvsHisCredit]

WOW maybe you will get  it tomorrow please let me know

[Anonymous]

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@JoeLuvsHisCredit wrote:

WOW maybe you will get  it tomorrow please let me know

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Definitely.. Can't say it was lost as I've received 3 mails from PenFed already and 1 of em is in regards to the Credit Approval.

So what else did you appd for?

I appd for the Plat Rewards and an AutoLoan which are both approved. I got declined on the Promise Card.

8500K for Plat Rewards and 33K for the AutoLoan.

[JoeLuvsHisCredit]

I got approved for this. I haven't apply for anything else I really want to add a personal loan.Some people mention that they do a different HP for a personal loan? My EQ is 738

[Anonymous]

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@JoeLuvsHisCredit wrote:

I got approved for this. I haven't apply for anything else I really want to add a personal loan.Some people mention that they do a different HP for a personal loan? My EQ is 738

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Nice!

I actually got HP'd twice which I gladly disputed the other HP with EQ. Even PenFed had no idea why I got HP twice.

My APR is a bit higher than yours at 17.99%

But hey.. If you PIF every month, there is no need to worry bout that.

[JoeLuvsHisCredit]

Did EQ remove the second HP? They always give me a hard time lol

[Anonymous]

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@JoeLuvsHisCredit wrote:

Did EQ remove the second HP? They always give me a hard time lol

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I just checked for status and its still Pending with ETA for completion 2/2.

I mean its a valid dispute because PenFed has no knowledge of it and its their regulations for 1 HP on all products for 30 days.

Its just the pain of waiting to clear from your credit.

[Anonymous]

Congrats JOE! That's a good SL. You can call and try to recon the SL. I was able to bump from $5k to $15k by calling in an speaking to a Supervisor (the supervisors are all Loan Officers) and can make the decision right then and there.  Also the card will definitely GROW. Remember that HP is good for 90 days so any requests for an increase during that time are only SP's. My Plat Rew card went from $5k to $25k in that 90 days window.

[Anonymous]

The 2nd HP may be valid, there's been conflicting info from PenFed Customer Service about HP policy.  Some have said different product types will result in a HP. Seems in general that Credit Cards / Checking Accounts are under same umbrella. YMMV with Auto Loans and Personal LOC are definitely a separate products.

[Anonymous]

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@Anonymous wrote:

The 2nd HP may be valid, there's been conflicting info from PenFed Customer Service about HP policy.  Some have said different product types will result in a HP. Seems in general that Credit Cards / Checking Accounts are under same umbrella. YMMV with Auto Loans and Personal LOC are definitely a separate products.

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You sure its not 30 days? I was told by the PenFed rep 30.. I mean I could be wrong because I have 45 days to use my autoloan or else it would be voided.